Final Expense Direct answers questions about cremation

Frequently Asked Questions About Cremation

Final arrangements can be a difficult topic for families to approach. However, the more research you do now will benefit you and your loved ones when the time comes. Instead of a burial, you can opt for a more affordable arrangement — cremation. The cremation process often raises many questions. To make your decisions easier and provide peace of mind, Final Expense Direct has answered some of these questions. 

Frequently Asked Questions

How Much Does Cremation Cost?

It varies by city and the services performed. In 2020, New York City tops the most expensive cities for cremation, with a minimum of $550 and a maximum of $10,200. According to, the average cost of a basic cremation is between $800 and $3,000.     

If you have a traditional service (viewing, casket, etc.) beforehand, it can substantially increase your costs. 

Prices in the US: Top 4 Most Expensive Cities

New York City, NY$550$10,200
Washington, DC$700$7,600
Houston, TX$675$6,800
Dallas, TX$850$6,300

What Container Is Used for Cremation?

There are certain caskets made for cremation, but the container can also be a basic cardboard box. The container (or box) must be non-toxic, combustible, and stable enough to hold the body’s weight.

What Container Is Used for the Remains?

The crematorium will usually put the remains in a sealed bag or container. If you wish to bury the remains in the receptacle, make sure to follow local burial requirements.

What Are Human Ashes Made Of?

They mainly consist of crushed bone fragments and any residue leftover from the container. The processing of the pieces creates a uniform grey powder similar to coarse sand.

Is the Coffin Burned at a Cremation?

Yes, they burn the coffin (or whatever kind of container chosen to hold the body) along with the body.

How Much Ash Is There After Cremation?

It depends on the body’s size and the crematory’s process. Typically, there are 3 to 9 pounds of remains. 

What Do People Do with the Ashes?

There are many options for cremated remains, including personalized storage. It’s easy to move the ashes, so the deceased can be relocated if the family relocates. Some options include: 

  • Preserving the ashes in an urn
  • Converting the remains into jewelry, art, or other keepsakes 
  • Spreading the ashes in a natural area that had a special meaning 
  • Placing them in a tree plot, memorial bench, or sculpture

Cremation grants you the freedom to honor your loved one in almost any way that you want.

Is Your Loved One Clothed?

Most crematories will let you dress your loved one before the cremation or have a funeral professional clothe the body. Clothing choices must be flammable.    

Do They Cremate Multiple Bodies at Once?

No, all cremations are done individually. In the U.S., multiple-body cremation is prohibited.

Take the Next Steps 

While cremations are cheaper than traditional burials, there are still costs involved. If you’re considering cremation for yourself or a loved one, how will you pay for it? One answer is final expense insurance, also called funeral or burial insurance. It’s tailored to help pay for end-of-life expenses, such as funeral and cremation costs. For more information, call 1 (877) 674-0236 or request a quote online. 


Final Expense Direct’s utmost concern is the safety of our clients, their families, and our employees and agents. Our hearts, thoughts, and prayers go out to all that the Coronavirus outbreak has touched and those whose lives have been disrupted. While 98% of our workforce is working remotely, we are here if you need assistance. If you are a client, please contact Customer Support at 800-538-3610, Ext 2, with any questions in regards to your policy. You may also contact us via email at We will continue to monitor this situation and keep you updated.